Vienna is a powerful enterprise lending system that manages the entire lifecycle from point of sale through to end of term.

Providing a single platform that supports multiple products, portfolios, brands, currencies and languages, Vienna is used by a diverse customer base, throughout the UK and Europe, from SME lenders to global finance companies and banks. 

Vienna is used to manage portfolios ranging from hundreds to hundreds of thousands of agreements in a single implementation, in the following markets:

  • Asset Finance
  • Consumer Finance
  • Broker Finance
  • Commercial Finance
  • Motor Finance
  • Fleet Leasing

Financial products managed in Vienna

  • Secured loans
  • Finance lease
  • Contract hire
  • M1 Fleet lease 
  • Hire purchase
  • Unsecured loans
  • Mortgages
  • PCP
  • Guarantor loans
  • Revolving credit
  • Operating lease
  • Wholesale finance

New Business

The Vienna platform supports a myriad of new business channels covering both direct to customer and introducer models, allowing total flexibility and optimisation of available routes to market. Fully integrated with the Vienna underwriting, contract administration and back-end, the new business platform allows a completely homogenous and streamlined approach to the point of sale lifecycle.


The Vienna underwriting module supports both manual and automated underwriting processes with a configurable rules based engine. Lenders are able to create distinct policies and workflows for different products with full integration to the major credit reference agencies and to third party data services.

Vienna enables full automation of the credit decision, pay-out, document production and go-live processes.

Key features of the Vienna underwriting module include:

  • Automated real-time decisions
  • Configurable product and user workflow
  • Full decision and user audit trail
  • Underwriting restrictions and permissions
  • Data and decision analytics
  • Application and decision data in one place

Contract administration – in life

Comprehensive contract management functionality covers all of the in-life administration activities required to manage the entire life of an agreement, such as:

  • customer relationship and information management
  • asset management
  • payment date changes
  • early settlements
  • letter and statement generation
  • payment method changes
  • payment processing

Collection and Arrears Management

Vienna’s collections module covers the entire lifecycle of the arrears management process from identification through to recovery, settlement and litigation.

The configurable collections module allows lenders to streamline debt recovery processes, increase collection performance and reduce arrears.

  • Promise to pay and payment arrangements
  • Arrears case workflow for collections team
  • Automated arrears case escalation and activities
  • Integration with dialler systems
  • Supports multiple contact and collections strategies

Bespoke Features and Integrations

As a software development house we have vast experience of developing and delivering bespoke functionality as part of the Vienna system. We understand that all lenders have unique requirements and that a ‘one size fits all’ approach does not work in today’s environment.

The Vienna system can be completely tailored to every lenders requirements, enabling customers to realise the full potential of their systems and technology platform.

Our development team can help you exploit competitive advantages and differentiate from your competitors at a software and technology level.